Discipline Matters Most in the Hard Times

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<p>Dave Ramsey and Rachel Cruze answer your questions and discuss:</p>
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  <li>"I just got fired, should I file for bankruptcy or consider a debt relief program?"</li>
  <li>"How do I get my husband to take the plunge and buy us a house?"</li>
  <li>"Is a budget set in stone or can it be revised once it's in play?"</li>
  <li>"Should I lower my retirement contribution in order to pay off my house faster?"</li>
  <li>"How do I help my mom who has $200,000 in debt and nothing saved for retirement?"</li>
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